Addressing Consumer Issues
Clos, Russell & Wirth, P.C., offers professional legal counsel and keen advocacy to clients in various matters pertaining to consumer law. From our offices in Westland, our attorneys handle consumer issues and concerns throughout the surrounding areas of Michigan. Our decades of legal experience make us a trusted choice to guide individuals through bankruptcy proceedings as well as uphold the rights of creditors seeking repayment.
Obtaining Debt Relief Through Bankruptcy
Among other things, we are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. In most cases, our law firm assists individuals with Chapter 7 and Chapter 13 petitions.
Chapter 7 is sometimes called “liquidation” bankruptcy because any nonexempt assets are sold to help repay creditors. In return, all unsecured debts (such as medical bills and credit card debts) are discharged or canceled. In order to qualify for Chapter 7, you must first pass a means test.
Chapter 13 involves creating an interest-free repayment plan to repay a set percent of your debt over a certain period of time. Typically, the repayment plans last three to five years. After that point, any remaining unsecured debt will be erased.
Helping Businesses Effectively Collect On Debts And Judgments
No business can afford to provide services or goods for free. When customers or clients fail to pay their bills, it can significantly impact a company’s bottom line and financial stability.
At Clos, Russell & Wirth, P.C., we help businesses collect on delinquent bills, past-due accounts and court judgments. Our attorneys are very familiar with the Fair Debt Collection Practices Act (FDCPA), and we know how to utilize all available debt collection tools to recover the money our clients deserve.
Request A Complimentary Consultation
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.